YNAB software - educate me

[tulip]

YNAB has allowed me to finally get my financial life under control. I've tried all sorts of methods. YNAB is more than just a fancy spreadsheet. The philosophy and methods are very effective. In my case, it paid for itself right away, and i have more cash and less debt than I've ever had. It's not magic; it simply gives me the tools to live responsibly and within my means while reaching my financial goals. It makes consistency and discipline--required for any change--fun and easy to implement. I would encourage you spend some time with the tutorials and on the YNAB forum. That's where you will get lots of information and guidance.